Our amazing 5-star reviews for August 2021
Caz Blake-Symes • August 27, 2021
Thank you to all our clients
Below are the comments from our clients giving us 5-star reviews on both Facebook and Google. We are so grateful to receive these reviews. They mean so much to us. We now have 56 5-star Facebook Reviews and 20250 5-star Google Reviews.
Facebook reviews
MK
Phil, George and Caz have all been fantastic with helping us to buy our first home! Could not recommend them enough! We did not have a clue what we were doing at the start but everything was explained to us clearly. They are very efficient and super fast dealing with all the paperwork on your behalf, nothing was too much trouble, even when called after hours! We managed to buy our first home within few weeks (even with massive backlogs due to covid). Put an offer on mid april and got our keys mid June as promised by Phil!
Thank you so much 🙂 we will definitely return in the future 🙂 x
Google reviews
JE
From the first call with Phil we knew that we were in good hands. As we needed advice during the pandemic, meetings were done virtually via Zoom. Phil was extremely warm, friendly and put us at ease quickly. It was clear that Phil knew his stuff and the way he explained mortgages and all associated products made it easy for us to get our heads around things and when the time came made the process of selecting a mortgage as straightforward as possible. Once we had selected our lender we were handed on to Phils team who were all a credit to the business. Taking care of us each and every step of the process and even once things had been arranged checking in to ensure the process was still going well. Bristol Mortgages Online came highly recommended to us and we in turn would highly recommend them for your mortgage advice needs.
TC
The user didn't write a review and has let just a rating.
TW
Bristol Mortgages Online helped find our first mortgage and were clear, responsive and helpful throughout the whole process. George managed the entire process with frequent updates and clear requirements from us, as well as explaining everything we were unsure about as it our first time applying for a mortgage. Phillip guided us through the options with illustrations and the pros/cons of each. We felt in control the whole time without being pushed in any direction but also felt we were given the knowledge to be confident with our decision. I would recommend Bristol Mortgages Online to anyone without hesitation!
GU
Phillip and his team have been super helpful and supportive throughout the mortgage process! We are first time buyers and were unsure how the process worked and what mortgage would be best for us. They did an excellent job helping us through this and were always happy to answer questions when we were a bit lost. They always responded quickly and were very friendly and lovely to chat to! We would recommend anyone use them as we had a great experience
LS
Further to our first meeting with Phil we’ve had the pleasure of getting to know Paul Kelly also at Bristol Mortgages online. Paul has arranged another re-mortgage for us, and we’ve been more than happy to recommend him to other members of our family. Given the choice, we wouldn’t go anywhere else! Thanks again, Paul. Liz and Brian
SB
We have always received exceptional advice from Phil supported by his excellent team, thank you
SS
Hi been using this company for a few years , they really work hard to give u the right product and all good advice , very excellent customer service ,I highly recommend any one who’s looking for mortgages 👍
MG
We had given up hope of our daughter ever being able to get on the property ladder but thanks to Phil Clark and Paul Kelly she has finally managed to buy her first flat. We would highly recommend Bristol Mortgages online.
SC
We had changes in our circumstances a few times throughout our process of buying our house which meant getting the right mortgage was trickier than it had been before. Phil and his team were really supportive and made contact with the right people at the various banks to ensure speedy responses. Any question we had, they were available and we really valued the service they provided. All in all, we turned our house purchase around in about 5-6 weeks which was excellent - thank you
AM
The user didn't write a review, and has left just a rating.so much, highly recommended!
Adapted from Zoopla’s April 2025 Housing report I mage: The analysis uses average house prices from the house price index and for first-time buyers to assess mortgage payments at different mortgage rates applied to a 30- year mortgage, at different loan-to-values. One emerging trend that we expect to positively support market activity in the coming months is a relaxation in how lenders assess the affordability of new mortgages. While buyers focus on the mortgage rate they will pay, lenders also check whether the borrower can afford a 'stressed mortgage rate' at a higher level than the borrower will pay. While the average 5-year fixed rate mortgage is around 4.5% today, many lenders are currently 'stress testing' affordability at 8-9%. This makes it harder to secure a mortgage without a large deposit. If average mortgage stress rates were to return to pre-2022 levels of 6.5% to 7%, this would deliver a 15-20% boost to buying power. An average first-time buyer with mortgage repayments of £1,020pcm at a 4.5% mortgage rate would typically have to prove they could afford monthly repayments of £1,550pcm at an 8.5% stress rate. If the stress testing is relaxed to 6.5%, repayments would fall to £1,275pcm, boosting buying power. It's a similar pattern for the average homeowner, while the actual impact will vary by lender and type of borrower. This change would consequently supporting demand and sales volumes, helping to clear the stock of homes for sale, rather than boosting house prices. Other existing rules and regulations that remain in place will continue to impact the availability of mortgage finance. Comment from Phil Clark “This is potentially very exciting news and will give borrowers a greater choice of products if these rules are relaxed. Regardless of whether you are a First-time Buyer, Looking to move, remortgage or invest in property, there are a huge range of competitive mortgage deals on the market. I will be delighted to discuss your specific requirements and offer you the most suitable deal!” Please call Phil on 0117 3251511 or email info@swmortgages.com For more information about the Mortgage and Protection products we offer, please visit www.bristolmortgagesonline.com Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.
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There have been some important changes to the legislation regarding Stamp Duty Land Tax with effect from 1 April 2025.
This edition includes fantastic new mortgage products, updated guides for those with adverse credit, 17 great tips to follow before making and application and lots more.
If you need help with any of the items covered, please call Phil on 0117 325 1511.
Let us help you If you have a poor credit score or issues with your credit history.Call Phil on 0117 3251511 to discuss any credit uissues.
The housing market is resilient, supported by faster growth in average earnings. There are the most homes for sale in 7 years, which will keep price inflation in check. But are buyers missing opportunities in the flats market?
Here at Bristol, Bath and Exeter Mortgages Online, we understand that getting your first mortgage, or even a remortgage, especially if your circumstances have changed, may look like an impossible task, but we are here to help.
We hold your hand from your initial enquiry through to the completion of your purchase. It's not that tricky and there are ways you can improve your odds and boost your chances of a successful mortgage application.
We are delighted to be able to offer our clients an incredible mortgage deal through Bath Building Society.
Bath Building Society is currently offering market-leading discounted mortgage products designed to provide flexibility and great rates.
Adapted from BBC Article by Kevin Peachey, Cost of living correspondent 13 February 2025 Two major lenders launched mortgage deals on Thursday with interest rates of less than 4%, as competition picks up in the sector. The prospect of further cuts in the base rate by the Bank of England has given mortgage providers confidence to reduce their own rates. But the attention-grabbing sub-4% deals by Santander and Barclays will not be available to all borrowers, particularly first-time buyers, and may come with a hefty fee. The return of such deals might prompt other lenders to follow suit after a period of tepid competition. Nationwide, the UK's biggest building society, has said it will reduce some of its rates on Friday. Mortgage deals with interest rates below 4% have not been seen since November. Across the whole market the average rate on a two-year fixed deal is 5.48%. The typical rate on five-year deals is 5.29%, according to latest figures from Moneyfacts. Time to decide Some tracker and variable rate mortgages move fairly closely in line with the Bank's base rate, which was cut to 4.5% a week ago. However, more than eight in 10 mortgage customers have fixed-rate deals. The interest rate on this kind of mortgage does not change until the deal expires, usually after two or five years, and a new one is chosen to replace it. About 800,000 fixed-rate mortgages, currently with an interest rate of 3% or below, are expected to expire every year, on average, until the end of 2027. That means a higher monthly bill for many homeowners on their next renewal, but there are signs that the rate they could pay is on its way down. Bank of England governor Andrew Bailey said the interest-rate setting committee expected to be able to cut rates further "but we will have to judge meeting by meeting, how far and how fast". This will affect savers who are seeing lower returns, but could bring better news for borrowers. The Bank's next rates decision is on 20 March. Message from Phil Clark “Regardless of whether you are a First-time Buyer, Looking to move, remortgage or invest in property, there are a huge range of competitive mortgage deals on the market. I will be delighted to discuss your specific requirements and offer you the most suitable deal!” Please call Phil on 0117 3251511 or email info@swmortgages.com For more information about Mortgage and Protection please visit www.bristolmortgagesonline.com